Find Your Freedom Date.
Stop guessing when you can retire. Our simulator models your entire life journey—inflation, child education, and market returns—to give you a scientifically accurate date when work becomes optional.
Inflation Adjusted
We don't just use 6%. We simulate real purchasing power loss over 40 years.
Portfolio Simulation
Model your specific mutual funds, gold, and real estate for precise growth.
Stress Tested
See what happens to your freedom date if the market crashes by 30% today.
Why a simple "Retirement Simulator" is safer.
Most retirement calculators in India assume a linear world. They don't account for the fact that education inflation in India is 10-12%, or that your lifestyle costs will likely triple by the time you retire.
Cockroach Money's Freedom Simulator uses a month-by-month calculation engine to ensure every EMI, every child education milestone, and every tax liability is accounted for.
The 4% Rule vs The Reality in India
While Western FIRE enthusiasts swear by the 4% rule, India's high inflation and emerging market volatility require a more robust approach. Our simulator helps you find your "Safe Withdrawal Rate" tailored to the Indian economy.